Stripe has expanded its Global Payouts service to let eligible United States businesses send stablecoin payments directly to crypto wallets in more than 160 recipient markets. The feature, currently in public preview, allows transfers of USDC or OUSD funded from a USD or USDC balance in a Stripe financial account.

Businesses based in New York remain excluded from the preview and can register for notifications about future access. Payments generally reach recipients within minutes, though blockchain network conditions may affect final timing.

Eligibility and Reach

Only US-based businesses qualify as senders under the current terms. Stripe documentation separates sender location requirements from the list of supported recipient markets, which includes destinations such as India, Brazil, Japan and the United Arab Emirates among many others.

The capability was first outlined in a mid-October product update that positioned Global Payouts alongside Treasury and Issuing as part of a broader financial services suite. That update also noted traditional currency payouts to more than 100 markets and described potential applications including loan disbursements, remittances, investment withdrawals and neobank cash-outs.

Fintech firms can integrate the service through hosted forms or APIs if they wish to embed payout functionality in their own products. Customer verification data can be shared across the related Stripe offerings.

Supported Tokens and Networks

USDC payouts operate across nine blockchain networks: Arbitrum, Avalanche C-Chain, Base, Ethereum, Optimism, Polygon, Solana, Stellar and Tempo. OUSD, issued by Open Standard, is available on four networks: Base, Ethereum, Solana and Tempo. Tempo is listed as the default configuration for OUSD in some setups.

Senders must confirm that the recipient wallet supports both the selected token and the chosen network before submitting a transfer. Recipient records require an email address, name and physical address; for business recipients the legal company name is required.

Transfers can be initiated from the Stripe Dashboard by adding the recipient and wallet details, selecting the amount and network, verifying the information and confirming the payout. Stripe handles any necessary conversion when the funding balance and the payout token differ.

Pricing Structure

Stripe lists a charge of $0.50 plus 0.5 percent of the transfer amount for stablecoin payouts. By comparison, its published SWIFT wire fee stands at $25. The two fee structures equalize at a transfer size of approximately $4,900. Below that threshold the stablecoin option is lower; above it the percentage component raises the cost past the fixed wire fee.

Additional charges may apply. Currency conversion starts at 0.5 percent, and a platform fee of 0.05 percent is assessed on monthly payout volume exceeding a $1 million allowance across payment methods. These figures cover only the advertised rates and do not include every possible ancillary cost.

Broader Product Context

The wallet payout option sits within a wider set of money-movement tools Stripe has introduced for businesses. A separate service, Stripe Pay, enables free instant transfers between qualifying financial accounts identified by business profile handles. Card issuing that draws on stablecoin balances has also expanded, reaching 27 European Union countries and more than 65 markets overall, with a stated goal of 100 countries by the end of 2026.

Stablecoin cards can source funds from custodial wallets, noncustodial wallets or Stripe financial accounts and convert them into local currency at the point of purchase. Global Payouts, Treasury and Issuing are designed to operate together, sharing verification information and supporting the same stablecoin and blockchain infrastructure where applicable.

No timeline has been given for moving the stablecoin wallet payouts from public preview to general availability or for adding New York businesses. Companies evaluating the service can compare the published fees and typical settlement times against conventional bank wires using the figures Stripe has released.